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BOOMERS

MONEYSAVER Boomers Senior News — Summer 2018, July 26 — 1

SENIOR NEWS
SUMMER 2018, JULY 26

TAKE TIME TO PLAN YOUR FUNERAL
By: Lisa Larrabee-Sutherland – families can be left in a difficult predicament if caught
Merchant Memorial Group unprepared. Like the rest of life’s major milestones,
funerals require detailed, deliberate logistical and
The road of life is filled with important milestones – financial planning.
major events and achievements that help to define
who we are and what’s important to us. Events such Think about a wedding, for example. How many
as graduation, marriage, childbirth, and retirement weddings are planned in two days?
are universal moments that bring families together
People spend a year, on average, planning the details
to celebrate those significant accomplishments that
and saving for their wedding day. They take time to really
required careful planning and financial commitment.
think about all kinds of specifics: what kind of clothes
But what about funerals? Where do they fit on the list of they want to wear, what kind of music they want played,
life’s milestones? who should be in their wedding party, which flowers
they should have, where the ceremony should take
Many people are hesitant to include funerals when place, and, of course, how they should pay for it all. It’s
discussing other important life moments because an important event in a person’s life that shouldn’t be
talking openly and honestly about death may be and almost never is planned on the fly. A funeral should
considered taboo. As a result too many well-intentioned be the treated the same way.
friends and family die unprepared, leaving their loved
ones with a painful emotional and economic burden. Some take the step of creating a will, which is a good
way to plan for their belongings, but a funeral service is
The average family has to answer over 150 detailed so much more than distributing property. It’s a reflection
questions within 48 hours of losing a loved one. Most of a person’s legacy and an opportunity for bereaved
must make these decisions with a heavy heart and friends and family to come together to begin the healing
very little time to think about details and prices. With process. By taking the time to prearrange all the details
average funeral costs approaching $10,000 – and rising of their funeral, one can ensure that it will be an event
MONEYSAVER Boomers Senior News — Summer 2018, July 26— 2

TAKE TIME TO PLAN YOUR FUNERAL CONTINUED...
that truly represents their life and also serves as a responsible, thoughtful gift to
their loved ones.

Funeral preplanning is the missing milestone and should be an important part of
everyone’s long term blueprint.

In addition to prearranging, many people also opt to prefund their funeral
because it locks in today’s prices and saves family members from financial burden.
With inflation causing funeral prices to nearly double every 10 years, prefunding is
a smart, economical choice. Multiple payment plans exist to fit a variety of needs.

The immediate benefit of preplanning is the peace of mind that comes with
being prepared. Your wedding wasn’t planned overnight and neither should your
final wishes. Prearranging and prefunding your funeral is a smart investment for
your family that they’ll always remember.

You’re never too young or too old to make
preplanning the next milestone in your life.

2 0 1 7 T O TA L S E R V I C E S P R O V I D E D
 6,598 rides given
We traveled 65,515 miles this year to help
those in need. That is over two times around the globe!

 22 ramps built
 49 minor home repairs and safety modifications

Providing volunteers to enable elders and those with
disabilities to live independently in their homes.
Find out more about our services, how to support us
with your time, or financial donations at:
interlinkvolunteers.org or
817A 6th Street Clarkston, WA 99403 509.751.9143

ACCESS EQUITY
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WITHOUT SELLING!

{Seniors 62 and older}
Government Insured
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We can provide answers you need to
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Your LOCAL Reverse Mortgage Expert
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Branch Manager | NMLS #7347

208.743.1005
247 Thain Rd | Suite 104 | Lewiston, ID 83501
This advertisement is not from HUD or FHA and was not approved by
the Department of Housing or Government Agency.
MONEYSAVER Boomers Senior News — Summer 2018, July 26 — 3

DRUG AND Thinking of Pre-planning Your Funeral or Cremation?

ALCOHOL ABUSE: A
GROWING PROBLEM FOR
THOSE GROWING OLD • Prepayment guarantees
the cost of services and
merchandise at today’s price.
• Ensures your wishes are met

Vassar-Rawls Funeral Home & Crematory
• Pre-plan in your home, our
office, by phone or online

B&B-13-505317
(StatePoint) Misuse and abuse of drugs and alcohol among the 920 21st Ave. Lewiston • 208-743-6541 or 800-584-8812
elderly is one of the fastest growing health problems in the U.S., www.vassar-rawls.com

according to the Substance Abuse and Mental Health Services
Administration (SAMHSA), yet it can often be mistaken for
normal aging behavior. Malcom’s Brower-Wann
Funeral Home & Cremation
The statistics are alarming: according to The National Council on • Burial or Cremation Services
Alcoholism and Drug Dependence, Inc., 2.5 million older adults
• Serving Lewis-Clark region for 87 years
have an alcohol or drug problem; while a SAMHSA report shows
that the use of illicit drugs, combining drugs with alcohol, and • Pre-arranged funeral plans are guaranteed
the nonmedical use of pharmaceuticals, results in an average of • Modern comfortable facility with up-to-date
Audio/Video
nearly 300 emergency room visits nationwide each day for those
aged 65 and older. • Friendly and Caring People

Despite these disturbing trends, substance abuse among the (208) 743-4578 1711 18th Street, Lewiston, Idaho 83501
www.malcomsfuneralhome.com
elderly often goes unrecognized and untreated. According to
B&B-13-505316

“The Tough Talk: Aging Parents and Substance Abuse,” a new
survey commissioned by WellCare Health Plans, Inc., adult
children of elderly parents know very little about the drugs
and alcohol their parents consume, and three-quarters say it’s
possible that they may not even know if their parent had a
substance abuse problem,
likely mistaking the signs --
such as slurred speech, dozing
off and confusion -- for normal
behaviors of aging.

“While family members may
not feel equipped to identify
an abuse problem, they are
often the ones who can best
spot changes in behaviors that
could indicate one exists,” said
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MONEYSAVER Boomers Senior News — Summer 2018, July 26— 4

DRUG AND ALCOHOL ABUSE CONTINUED...
events, are times when the elderly are most likely to begin misusing or abusing drugs and alcohol.

• Signs of a Potential Problem: Many older people will hide their problem out of shame, and while substance
abuse can mimic symptoms of other diseases, always consider the possibility of abuse if there are any major
changes in behaviors, such as loss of interest in hobbies, activities or socializing, as well as changes in appetite and
sleeping habits. Other signs to be aware of are noticeable memory loss, slurred speech and confusion.

• Asking Questions is the First Step: At times when loved ones appear sober and alert, start asking questions
about their use of drugs and alcohol and if they think they have a problem. Speak frankly about your concerns and
the risks of substance abuse, but also be sympathetic to the
difficulties with which they’re dealing.

• Seek Help: If you do suspect a substance abuse problem,
contact his or her health care provider and discuss the best
approach to getting appropriate treatment.

For more tips and information on managing substance abuse for
aging parents, visit WellCare’s blog at tinyurl.com/ycu6e7g2.

Identifying substance abuse can be challenging, particularly
when it comes to the elderly. However, addressing the issue
quickly is critical. If you’ve detected signs of a problem, start by
asking the right questions.

Your LOCAL
Reverse Mortgage Expert
{Seniors 62 and older}
Government Insured
Reverse Mortgages
Jonathan Hughes We can provide answers you need
Branch Manager | NMLS #7347 to make the best decision
208.743.1005 for your family. 24/7 Helpline
Caregiver Support Group - Moscow
Walk to End Alzheimer’s
Lewiston - 9/22/18

247 Thain Rd | Suite 104
Lewiston, ID 83501
This advertisement is not from HUD or FHA
and was not approved by the Department 1.800.272.3900 | alzwa.org
of Housing or Government Agency.

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